Are damages caused intentionally by an insured who is 12 years of age covered under damage to property of others?

The correct answer to whether damages caused intentionally by a 12-year-old insured are covered under damage to property of others is that they are not covered. Generally, most personal lines insurance policies, such as a homeowner's or renter's insurance, exclude coverage for intentional acts. This exclusion is based on the principle that insurance is designed to cover accidental losses and that allowing coverage for intentional damage would undermine the purpose of these policies.

For minors, typically, insurance policies can be more lenient in terms of coverage for unintentional acts. However, intentional acts—regardless of the individual's age—are generally not covered. In the case of a 12-year-old, their actions leading to intentional damage would not trigger the coverage for damage to property of others because the policy views these as premeditated rather than accidental.

Each of the other answer choices suggests scenarios where coverage might apply, but they fail to align with the standard exclusions found in property damage liability coverage, which typically does not extend to any intentional acts, regardless of supervision or parental liability.